Phegans Bay vs Woy Woy: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Phegans Bay and Woy Woy are both Central Coast rates (OLG suburbs, sitting 43.1 km and 42 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
The two sit within $24 a year of each other to run, so running cost is a minor factor here — the decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Phegans Bay
Woy Woy
Annual cost breakdown
| Category | Phegans Bay | Woy Woy | Difference |
|---|---|---|---|
| Council rates | $1,454 | $1,454 | - |
| Water & sewerage | $1,300 | $1,300 | - |
| Commute (driving) | $6,718 | $6,742 | -$24 |
| Commute (public transport) | $2,400 | $2,400 | - |
| Home insurance | $3,650 | $3,650 | - |
| Body corporate (unit) | $2,100 | $2,100 | - |
| Total (driving) | $13,122 | $13,146 | -$24 |
| Total (public transport) | $8,804 | $8,804 | - |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Phegans Bay | Woy Woy | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Phegans Bay vs Woy Woy (2026-27)
What the numbers show
Phegans Bay and Woy Woy cost within $24 of each other annually by car. Over ten years with 3% annual growth the gap reaches roughly $275, making running cost a minor factor in the decision.
The biggest single gap is commute costs at $24 per year. Phegans Bay is 43.1 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the two suburbs cost almost the same, $8,804 and $8,804 a year, so the $24 driving gap nearly closes if you commute by public transport.
10-year cumulative cost projection
| Year | Phegans Bay cumulative | Woy Woy cumulative | Difference |
|---|---|---|---|
| Year 1 | $13,122 | $13,146 | $24 |
| Year 3 | $40,559 | $40,633 | $74 |
| Year 5 | $69,666 | $69,794 | $128 |
| Year 10 | $150,429 | $150,704 | $275 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Phegans Bay or Woy Woy cheaper to live in?
Phegans Bay is cheaper to run by car at $13,122 per year versus $13,146 for Woy Woy, a difference of $24 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Phegans Bay and Woy Woy?
Annual council rates for a house are $1,454 in Phegans Bay (Central Coast rates (OLG) and $1,454 in Woy Woy (Central Coast rates (OLG). Water and sewerage adds $1,300 in Phegans Bay and $1,300 in Woy Woy. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Phegans Bay and Woy Woy?
Annual driving commute costs are $6,718 from Phegans Bay and $6,742 from Woy Woy to Sydney CBD (ATO 88c/km). Public transport costs $2,400 from Phegans Bay and $2,400 from Woy Woy.
What is the 10-year cost difference between Phegans Bay and Woy Woy?
At 3% annual cost growth, Phegans Bay costs a cumulative $150,429 and Woy Woy costs $150,704 over 10 years by car. The cumulative difference is $275 in favour of Phegans Bay. Excludes purchase price, mortgage, and personal expenses.
Which of Phegans Bay and Woy Woy is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
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Sources: Central Coast rates (OLG and Central Coast rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.